2026 The Basics of Business Cash Flow - Part 2

Fundamentals of Business Cash Flow Series

Part 2 of 3

All lenders must have a solid understanding of how to evaluate business cash flow, as cash flow from business operations is the primary source of repayment for most commercial loans and many consumer loans.  Fundamentals of Business Cash Flow provides bankers with the necessary skills to analyze a business’ ability to meet the cash requirements of its current and future business operations and to service its debt and capital needs.

This three-session virtual series will prepare bankers to thoroughly analyze cash flow from tax returns and business financial statements.  Bankers will learn to calculate traditional debt service coverage, global debt service coverage, and UCA debt service coverage and to forecast how management decisions and changing internal and external conditions impact repayment ability.

Although this series is taught virtually, the instructor’s facilitation approach encourages frequent participant engagement.  The program includes examples, practice problems, and case studies, which allow participants to apply cash flow analysis principles to real-world loan scenarios.

Participants may choose to enroll in the entire three-session series, or they may choose to enroll in individual sessions which meet their unique development needs. 

Benefits of the Series:

• Prepare for a new role in lending.
• Update or refresh your cash flow analysis skills.
• Understand the most commonly used approaches to debt service coverage and global debt service coverage analysis.
• Learn to safely and critically “think outside of the box” to fully evaluate future cash flow available for loan repayment.
• Fully interpret and appreciate the value of the UCA Cash Flow Statement.
• Know the four key sources of repayment for all loans and understand how analyzing cash flow fits into thoroughly underwriting a credit request.
• Grow your knowledge of personal and business tax returns and the benefits they provide lenders in underwriting loans.

Session II: Evaluating Global Debt Service Coverage

The agenda includes:

• Calculating Debt Service Coverage and Debt to Income
• Important DSC Coverage Considerations in C&I and CRE Lending
• Calculating Global Debt Service Coverage for Business Owners/Guarantors
• Exploring Differences in Traditional Cash Flow Coverage Calculations and Why Consistency is Critical
• Review of Session I Key Concepts
• Application of the Concepts: Practice Problems and Case Study

MEET YOUR INSTRUCTOR:

Christie Drexler

Christie Drexler is the President of Drexler Consulting, LLC, a financial services consulting and training business founded in 2020.  Drexler Consulting focuses on developing purpose-driven, competent, and confident servant leaders in all roles of banking. Drexler Consulting partners with banks and bank associations across the United States to deliver Lending, Retail Banking, Business Development, Customer Service, and Management and Leadership Training. Drexler Consulting, LLC is an Alliance Partner of Performance Solutions, Inc., which has served the banking industry for more than forty years and specializes in offering BSA and Compliance Training throughout the United States.

Prior to founding Drexler Consulting, Christie had accumulated twenty-six years of direct experience in the financial services industry, working for both community and large regional banks. Her experience has been expansive to include successfully navigating Retail and Commercial Banking careers.  She has served as Division President, Market President, Chief Credit Officer, Chief Retail Officer, and Regional Sales & Service Manager. Christie has a B.S. in Finance from Berry College and an MBA from Georgia College and State University. She is a passionate facilitator and coach who strives to live the values and leadership strategies she teaches in her training programs.